Byron Earnheart is the Programming Director for the Barret School of Banking in Memphis, TN and the host of the “Main Street Banking” podcast... the #1 rated community banking podcast on Apple. He has over 15 years experience in the financial services industry; 11 of which have been in banking in various roles from teller work to branch management. He spends his time playing guitar and singing in Delta Heart (the “house band of the Mississippi Delta”), songwriting, cooking, reading, and enduring the University of Tennessee Volunteers athletic seasons.
Programming Director for the Barret School of Banking in Memphis, Tennessee
Host of the “Main Street Banking” podcast, the #1 rated community banking podcast on Apple
Over 15 years of experience in the financial services industry
Renowned community banking podcaster Byron Earnheart will demystify financial institution statements. You will learn how to read, calculate, and interpret the numbers.
Topics Covered
How are bank and credit union financial statements organized?
Why are these documents structured in this way?
What are the 11 ratios used most often in banking?
What can the ratios reveal about a financial institution?
How do bankers routinely use ratios?
What revelations can you glean from financial statements?
Renowned community banking podcaster Byron Earnheart will explain what financial statements, ratios, and other metrics reveal about a financial institution’s performance. You will learn how to use the numbers and language of banking.
Topics Covered in this Series
How are bank and credit union financial statements organized?
Why are these documents structured in this way?
What are the 11 ratios used most often in banking?
What can the ratios reveal about a financial institution?
How do bankers routinely use ratios?
How should you identify strengths, weaknesses, opportunities, and threats?
How can you calculate your institution’s profit margin?
How does leverage work? Who bears the risk?
Can you use deposits to make a profit?
What do bank and credit union balance sheets reflect?
How should you calculate ROA and ROE growth?
How much capital does your institution need?
What 12 decisions drive bank financial performance?
Renowned community banking podcaster Byron Earnheart will demystify the terminology used in bank and credit union management. You will learn how to apply essential language and concepts to your institution.
What You'll Learn
How should you identify strengths, weaknesses, opportunities, and threats?
How can you calculate your institution’s profit margin?
How does leverage work? Who bears the risk?
Can you use deposits to make a profit?
What do bank and credit union balance sheets reflect?
How should you calculate ROA and ROE growth?
How much capital does your institution need?
What 12 decisions drive bank financial performance?
